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UG Dividend DRIP Calculator 2026
6.99% YieldConsumer DefensiveUnited-Guardian, Inc. · NASDAQ
Price: $7.15 · Annual div: $0.50/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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$10,000 in UG → $8.5K in 10 years · $5.58/month
About United-Guardian, Inc. (UG) — Dividend Analysis 2026
United-Guardian, Inc., operating both domestically and globally, specializes in the development, production, and distribution of a diverse range of cosmetic raw materials, pharmaceutical solutions, medical-grade lubricants, and proprietary industrial chemicals. Its extensive cosmetic ingredients catalog includes the LUBRAJEL line of water-based moisturizing and lubricating gel formulations, featuring variants such as LUBRAJEL NATURAL (derived from natural sources), LUBRAJEL MARINE, and LUBRASIL II SB (a silicone-infused LUBRAJEL formulation). Other key offerings in this category are LUBRAJEL II XD; B-122, a powdered lubricant suitable for pressed powders, eyeliners, blushes, and industrial uses; KLENSOFT, a surfactant for shampoos, shower gels, and makeup removers; and ORCHID COMPLEX, an oil-soluble base for skin creams, lotions, and cleansers. For medical applications, United-Guardian provides lubricants like LUBRAJEL RR and RC, which are water-based gels specifically designed for urinary catheters. LUBRAJEL MG serves to lubricate urinary catheters, pre-lubricated enema tips, and other medical devices. The company also offers LUBRAJEL LC and LUBRAJEL FA, specialized LUBRAJEL formulations tailored for oral care, alongside LUBRAJEL FLUID for lubricating various water-soluble products. The pharmaceutical portfolio features RENACIDIN, a prescription medication for preventing and dissolving calcifications in urethral catheters and the urinary bladder. Also included is CLORPACTIN WCS-90, an antimicrobial agent effective against infections in the urinary bladder, localized peritoneal infections, and infections affecting the eyes, ears, nose, throat, and sinuses. Industrial products comprise DESELEX, a sequestering and chelating agent vital for detergent manufacturing, and THOROCLENS, a powerful chlorine-based industrial cleaning solution. The firm also dedicates resources to research and development, primarily focusing on advancing cosmetic ingredients. Products are brought to market through a robust network of marketing partners, distributors, and wholesalers. Established in 1942, United-Guardian maintains its headquarters in Hauppauge, New York.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 UG Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold UG.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 6.99% | 4.19% | $699 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 5.94% | 3.14% | $594 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 5.59% | 2.79% | $559 / yr |
| 🇬🇧 UK ISA | 0% | 6.99% | 4.19% | $699 / yr |
| 🇬🇧 UK Taxable | 8.75% | 6.38% | 3.58% | $638 / yr |
| 🇨🇦 TFSA | 0% | 6.99% | 4.19% | $699 / yr |
| 🇨🇦 CA Taxable | 25% | 5.24% | 2.44% | $524 / yr |
| 🇦🇺 Super (pension) | 15% | 5.94% | 3.14% | $594 / yr |
| 🇦🇺 AU Taxable | 30% | 4.89% | 2.09% | $489 / yr |
| 🇩🇪 DE Taxable | 26.375% | 5.15% | 2.35% | $515 / yr |
| 🇫🇷 FR Taxable | 30% | 4.89% | 2.09% | $489 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 UG Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.50/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 UG Dividend Payment Schedule
UG pays quarterly — 4 times per year. Next ex-div: TBD.
📊 UG vs Consumer Defensive Benchmarks
How UG compares to typical Consumer Defensive averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for UG sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ UG Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| G-Gift | 2026-01-21 | 7,480 | — | — | ||
| G-Gift | 2021-02-19 | 8,400 | — | — | ||
| G-Gift | 2020-03-05 | 8,000 | — | — | ||
| G-Gift | 2019-05-20 | 5,600 | — | — | ||
| G-Gift | 2018-09-24 | 5,620 | — | — | ||
| G-Gift | 2017-08-01 | 2,000 | — | — | ||
| G-Gift | 2017-07-05 | 6,700 | — | — | ||
| G-Gift | 2016-12-09 | 5,300 | — | — | ||
| Sale | 2016-08-15 | 3,126 | $14.95 | $46.7K | ||
| Sale | 2016-08-15 | 1,400 | $14.76 | $20.7K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the UG dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
United-Guardian, Inc. (UG) is currently trading at $7.15, 69% below its 52-week high. The current dividend yield is 6.99% based on an annual payout of $0.50 per share.
UG (United-Guardian, Inc.) — 6.99% Dividend Yield Analysis
United-Guardian, Inc. (UG) is a consumer defensive stock currently trading at $7.15 with a dividend yield of 6.99%. The company pays an annual dividend of $0.50 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, UG has grown its dividend at a compound annual rate of 22.8%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.